Additionally, a lot of people would ask for a 10-point reduction,"A lot of people aren''t going to get that, but I think it''s important to shoot high." Persistence really pays Strong, who teaches a class for people with credit bankonemastercard problems, encourages all of his students to call their credit account issuers and ask for lower rates. Many do just that. How many are successful? "I would say three out of four easy," He encourages folks bankonemastercard who are denied rate reductions to try again another day. You may reach a more cooperative bankonemastercard customer service rep. You may be sent to an agent who specializes in keeping customers who are threatening to leave. Be persistent and make it clear that you''ll close your account if your interest rate is not lowered. persistence pays in these matters," "If the rep won''t do it for you, ask for a supervisor."

First of all, we suggest that you peruse our debt reduction tips page and our January 2000 article that deals with the subject of card debt. After reviewing both of these pages, please review the following resources. If you have tried tried every debt reduction technique possible, then a non profit bankonemastercard debt counseling service is often the best alternative. Such services have been helping consumers avoid the perils of bankruptcy for years. Although there are other reputable counseling services,are among our favorites. offers a free, confidential debt consultation. You can find out more about their services by completing a simple online form. Debt Saviors also offers a free book, entitled " to anyone intersted without obligation! has been helping consumers with debt problems for many years and are highly regarded. You can contact in select cities by consulting your on your credit bankonemastercard accounts significantly... sometimes to as low as 0%! They also will assign you a personal counselor that will help you develop a debt repayment plan. Note! Please use caution when choosing a credit counseling service.

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